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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,607 | $111,535-16.1% | $105,223-11.0% | $137,256-31.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 117.78% | 237.85%-120.1pp | 180.65%-62.9pp | 220.34%-102.6pp |
| Employer contribution / active EE | $2,256 | $3,939-42.7% | $3,689-38.8% | $4,156-45.7% |
| Participant deferral / active EE | $6,991 | $5,500+27.1% | $5,072+37.8% | $6,407+9.1% |
| Admin fee / account holder | $665 | $9,721-93.2% | $8,859-92.5% | $12,270-94.6% |